FinTech Data & Credit Analytics Lead

Sanabil Studio; Riyadh; On-site; SAR 420,000 - 640,000; Full time

Benefits offered by this job

Equity

Premium gear

Job summary

Sanabil Studio's TradePay is seeking a Head of Data & Credit Analytics to lead underwriting, fraud, and risk modeling for a new BNPL platform in Saudi Arabia. You will own merchant scoring, credit allocation, and real-time decisioning integrated with APIs using supplier, marketplace, and behavioral data.

You will mentor a data team, collaborate with Product and Engineering, and scale analytics across the region toward portfolio health.

Qualifications

• 6+ years of experience in data science, credit analytics, decisioning, or fintech analytics.
• 2+ years in a leadership or senior individual contributor role.
• Strong SQL and Python skills.
• Experience building underwriting, fraud, or risk models in fintech, BNPL, SME lending, merchant acquiring, or payments.
• Experience with alternative or behavioral data models.
• Strong portfolio analytics, repayment behavior, utilization analysis, and risk segmentation.

Responsibilities

• Build and own TradePay's merchant scoring and decisioning frameworks.
• Develop underwriting, fraud detection, and portfolio monitoring models using supplier, marketplace, and behavioral data.
• Design and optimize credit limit allocation, utilization logic, pricing models, and repayment segmentation.
• Build analytical frameworks around SKU velocity, merchant behavior, repayment patterns, and transaction frequency.
• Partner with Product and Engineering to embed real‑time decisioning into operational systems and APIs.
• Develop fraud detection logic and merchant anomaly monitoring systems.
• Build dashboards, portfolio reporting, and early warning indicators for teams.
• Design experiments and tests to optimize approval rates, utilization, repayment behavior, and portfolio health.
• Define and manage data pipelines, data quality standards, and analytical governance.
• Support future AI/ML evolution of TradePay's underwriting and risk engine.
• Hire and lead future data science and analytics team members.

Skills

SQL

Python

Data science

Leadership

Fintech analytics

BNPL

Job description

Sanabil Studio's TradePay is seeking a Head of Data & Credit Analytics to lead underwriting, fraud, and risk modeling for a new BNPL platform in Saudi Arabia. You will own merchant scoring, credit allocation, and real-time decisioning integrated with APIs using supplier, marketplace, and behavioral data.

You will mentor a data team, collaborate with Product and Engineering, and scale analytics across the region toward portfolio health.